currently BI is handled the same as all the other types of losses. This raises two main issues:

• BI losses are based on a period of interruption (POI). The financial logic does not account for this period
• By default TIV is defined annually, however some POI can be longer than a year. gul currently does not support periods longer than a year as the damage_bin_dict has a damage range $(0, 1)$ it is treated as proportional and when it is $>1$ is it treated as absolute

Stages of update:

• allow for losses that are larger than thetiv in gul (if the period is longer than a year)
• adjust fm calculations to incorporate period of interruption